esure has tailored its Electric Car Insurance to meet the unique needs of EV drivers, providing extensive coverage and a range of useful benefits. Lets take a closer look at esures EV policy
esure Insurance Features Tailored for EVs
Esure’s electric car insurance policy includes several features specifically designed to protect your electric or hybrid vehicle:
- Battery Cover: Esure offers protection for your EV’s battery, covering it against accidental damage, whether it is owned or leased.
- Cable Cover: Charging cables are essential for electric vehicles, and esure’s policy covers these accessories against damage or theft.
- Out of Charge Recovery: Running out of battery is a common concern for EV drivers. Esure addresses this by partnering with the RAC to offer an optional breakdown cover. If you find yourself out of charge, the RAC will either transport you to the nearest charging point or provide a roadside charge using their Charging Boost feature.
Car Insurance Policies Offered by esure
Esure provides three main car insurance options: Third Party, Fire and Theft, Comprehensive Cover, and Esure Flex.
Third Party, Fire and Theft
This policy provides essential coverage, including:
- Injury and Liability Protection: Covers legal liability if you injure or kill a third party, including passengers, in an accident.
- Property Damage: Offers up to £20 million in coverage for damage to someone else’s property.
- Fire and Theft: Protects against losses if your car is stolen or damaged in a fire.
- In-Car Equipment: Includes coverage for manufacturer-fitted and aftermarket in-car equipment, such as audio systems and navigation units.
- New Car Replacement: Offers a like-for-like replacement if your car, less than a year old, is stolen and unrecoverable or damaged beyond 55% of its UK list price.
- European Cover: Provides the same level of coverage while driving in Europe for up to 90 days.
Comprehensive Cover
Esure’s comprehensive car insurance builds on the Third Party, Fire and Theft policy, adding:
- Accidental Damage: Covers the cost of repairs if your car is damaged in an accident.
- Advanced Driver Assistance Systems: Covers recalibration of these systems if damaged in an accident.
- Windscreen and Window Cover: Includes repairs or replacement of windscreens and windows.
- Courtesy Car: Provides a courtesy car while your vehicle is being repaired at an approved repairer.
- Uninsured Driver and Vandalism Promises: Protects your no-claims bonus and waives the excess if you’re in an accident with an uninsured driver or if your car is vandalised.
Esure Flex
Available exclusively through price comparison websites, Esure Flex is a digital-only comprehensive policy with some differences from the standard comprehensive cover:
- Lower Coverage Limits: Reduced limits for medical expenses and personal accident cover, and no coverage for personal belongings or hotel expenses after an accident.
- Digital Management: Policy management and customer service are exclusively online, making it a convenient yet limited option for tech-savvy customers.
Additional Benefits and Optional Extras
In addition to the core coverage, esure offers several valuable benefits as part of its comprehensive car insurance:
- 5-Year Repair Guarantee: When you use one of esure’s recommended repairers, your vehicle is covered by a 5-year repair guarantee.
- Courtesy Car Cover: While your car is being repaired after an accident or theft, esure provides a courtesy car, including electric and hybrid models.
- In-Car Entertainment Cover: Esure also covers the advanced in-car entertainment systems that are often integral to modern EVs.
- Legal Liability and Motor Legal Protection: Esure includes legal liability as standard and offers an optional Motor Legal Protection add-on, covering up to £100,000 in legal costs if you’re involved in an accident that wasn’t your fault.
- Key Cover: Esure partners with the RAC to offer Key Cover, helping with the retrieval, repair, or replacement of lost, stolen, or damaged keys.
Customer Service and Recognition
- 24/7 Online Claims
esure provides around-the-clock access to their claims service, ensuring that customers can file and manage their claims conveniently online. - Which? and Defaqto Ratings
Esure’s standard car insurance has earned high ratings from industry bodies like Defaqto, reflecting their commitment to quality and customer satisfaction.
esure Contact Options
Esure offers several ways for customers to get in touch:
- Chatbot and Live Chat: Available 24/7, with live chat accessible during business hours.
- Phone Support: Available from 8am to 8pm Monday to Friday, and reduced hours on weekends.
- Policy Alterations: Any changes to your policy or payment details can be made for a fee of £26 per alteration.
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John is the Editor and Spokesperson for Electric Car Guide.
With over 20 years of writing experience, he has written for titles such as City AM, FE News and NerdWallet.com, covering various automotive and personal finance topics.
John’s market commentary has been covered by the likes of The Express, The Independent, Yahoo Finance and The Evening Standard.
